$MCBS Cashflow Statement | Understand Stock

$MCBS

$35.82 -$0.18 (0.5%) Close

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Financial Statements

Income Statement Balance Sheet Cashflow Statement

Consolidated statements of cash flows

In millions of USD, except per-share amounts

	FY2025 12 months to Dec 31, 2025	FY2024 12 months to Dec 31, 2024	FY2023 12 months to Dec 31, 2023	FY2022 12 months to Dec 31, 2022	FY2021 12 months to Dec 31, 2021
Cash flow from operating activities:
Net income
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization and accretion
Provision for credit losses
Stock based compensation expense
Unrealized (gains) losses recognized on equity securities
(Gain) loss on sale of foreclosed real estate
Writedown of foreclosed real estate
Deferred income tax expense
Proceeds from sales of residential real estate loans
Gain on sale of residential mortgages
Origination of SBA loans held for sale
Proceeds from sales of SBA loans held for sale
Gain on sale of SBA loans
Increase in cash value of bank owned life insurance
Increase in accrued interest receivable
Decrease (increase) in SBA and USDA servicing rights
(Increase) decrease in mortgage servicing rights
(Increase) decrease in state tax credits
(Increase) decrease in other assets
(Decrease) increase in accrued interest payable
(Decrease) increase in other liabilities
Net cash flow provided by operating activities

Cash flow from investing activities:
Purchases of equity securities
Purchases of securities available for sale
Proceeds from maturities, calls or paydowns of securities available for sale
Purchase of Federal Home Loan Bank stock
Proceeds from sales of residential real estate loans
Increase in loans, net
Purchases of premises and equipment
Proceeds from sales of foreclosed real estate owned
Purchase of bank owned life insurance
Net cash acquired in First IC acquisition
Net cash flow provided by (used by) investing activities

Cash flow from financing activities:
Premiums paid for interest rate caps
(Decrease) increase in deposits, net
Proceeds from Federal Home Loan Bank advances
Repayments of Federal Home Loan Bank advances
Decrease in other borrowings, net
Exercise of stock options
Repurchase of common stock
Stock issuance costs
Dividends paid on common stock
Net cash flow (used by) provided by financing activities
Net change in cash and cash equivalents
Cash and cash equivalents at beginning of period
Cash and cash equivalents at end of period
Supplemental schedule of noncash investing and financing activities:
Transfer of residential real estate loans to loans held for sale
Transfer of loan principal to foreclosed real estate, net of write-downs
Initial recognition of operating lease right-of-use assets
Initial recognition of operating lease liabilities
In conjunction with the First IC acquisition, assets were acquired and liabilities were assumed as follows:
Common stock issued for First IC acquisition
Fair value of assets acquired, net of cash acquired
Fair value of liabilities assumed
Supplemental disclosures of cash flow information - Cash paid during the year for:
Interest
Income taxes

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